Non-Union Caregivers:
Health Benefit Plan Comparison
| University of Michigan Health Plan (UM Health Plan) PPO Base plan overview |
University of Michigan Health Plan (UM Health Plan) PPO Plus plan overview |
University of Michigan Health Plan (UM Health Plan) HSA plan overview |
Blue Cross Blue Shield (BCBS) plan overview |
|
|---|---|---|---|---|
| Monthly Premium (payroll deduction) | Middle of the road | High | Low | High |
| Annual Deductible | Middle of the road | Lower | High | Middle of the road |
| Copays | Higher | Lower | None after deductible met | Lower |
| Out-of-Pocket Maximum | Middle of the Road | Higher | Middle of the Road | Lower |
| Network Coverage Area | UM Health Network (with out-of-network coverage available at higher cost) | UM Health Network (with out-of-network coverage available at higher cost) | UM Health Network (with out-of-network coverage available at higher cost) | UM Health or BCBS Network |
| Rx Coverage |
Four-tier coverage Prescriptions can be purchased at any Express Scripts/ESI network pharmacy, including UM Health-Sparrow, with no difference in copays |
Prescriptions can be purchased at any Express Scripts/ESI network pharmacy, including UM Health-Sparrow, with no difference in copays |
Four-tier coverage with copay after deductible Prescriptions can be purchased at any Express Scripts/ESI network pharmacy, including UM Health-Sparrow, with no difference in copays |
Prescriptions can be filled at any BCBS participating pharmacy |
| Good for Caregivers Who… | Want to pay for medical care only when they need it | Want to lower their out-of-pocket costs (copays, deductibles) in exchange for moderately higher premiums (payroll deductions) |
Want to pay less for healthcare and who want to control how and where they spend their health care dollars
Who want to save – tax-free – for future health care expenses |
Want a wider provider network (outside of the Sparrow Network)
Who have out-of-state children eligible for coverage |
517-364-5333
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This is a summary of the benefits provided by each insurance carrier and it is not intended to fully describe the details of each benefit plan. Should any questions arise, the contracts in effect will take precedence.